Building Trust in AI-First Banking: Ethical Models, Explainability, and Responsible Governance. International Journal of Research and Applied Innovations, [S. l.], v. 4, n. 2, p. 4913–4920, 2021. DOI: 10.15662/IJRAI.2021.0402004. Disponível em: https://www.ijrai.org/index.php/ijrai/article/view/236. Acesso em: 7 feb. 2026.